As of February 1, 2013, the Prosper marketplace was transferred
by Prosper Marketplace, Inc. to Prosper Funding LLC, a wholly-owned
subsidiary of Prosper Marketplace, Inc. From and after February 1,
2013 Prosper Funding LLC is the sole obligor of Notes offered and
secured by loans made through the Prosper marketplace, including
Notes originally issued by Prosper Marketplace, Inc. prior to such
transfer. Prosper Marketplace, Inc. continues to provide services
to Prosper Funding LLC relating to loan and Note servicing, and may
interact with borrowers and investors in relation thereto as agent
of Prosper Funding LLC. Except where otherwise noted, throughout
this website "Prosper" refers to Prosper Funding LLC including
acting directly or through its agents.

All personal loans are made by WebBank, a Utah-chartered
Industrial Bank, Member FDIC. All Prosper personal loans are
unsecured, fully amortized personal loans.

Notes offered by Prospectus. Notes investors receive are
dependent for payment on personal loans to borrowers. Not
FDIC-insured; Investments may lose value; No Prosper or bank
guarantee. Prosper does not verify all information provided by
borrowers in listings. Investors should review the prospectus
before investing.

*Based on one year personal loans made to first time borrowers
with an AA Prosper Rating. To qualify for an AA Prosper Rating,
applicants must have excellent credit and meet other conditions.
APRs by Prosper Rating range from 6.73% (AA) to 35.36% (HR) for
first time borrowers. Repeat borrowers may qualify for discounted
rates. Rate offered is based on Prosper Rating and other factors,
and your actual rate may differ. Eligibility for a loan is not
guaranteed and requires that a sufficient number of investors
commit funds to your loan. Refer to Borrower Registration Agreement
for all terms and conditions. All loans made by WebBank, a
Utah-chartered Industrial Bank.